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Fix & Flip Program Nationwide

Fund Your Next Flip Without the Wait

You found the property. Now you need funding that moves as fast as you do. Get the capital to acquire and renovate investment properties in Nationwide with terms built for real investors.
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Call: 239-385-9595
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CCIM Designated Since 1980

You're working with a Certified Commercial Investment Member who's been analyzing Florida deals since before most lenders existed.

Real Estate Analyst and Broker

Licensed professional who evaluates market potential and cashflow, not just paperwork. You get insight, not just a loan.

Local Nationwide Knowledge

Based in St. Petersburg with deep understanding of Tampa Bay neighborhoods, pricing trends, and what actually sells in this market.

Creative Financing Solutions

Access to multiple loan programs including fix and flip, DSCR rentals, and commercial financing tailored to your investment strategy.

Fix and Flip Loans Florida

Short-Term Financing for Real Investors

Fix and flip loans are designed for one thing: helping you buy distressed properties, renovate them, and either sell for profit or convert to rentals. These aren’t traditional mortgages. They’re asset-based, short-term loans that focus on the deal itself, not your tax returns or W-2s.

In Nationwide, where cash buyers make up over 40% of transactions and inventory moves quickly, speed matters. You need a lender who understands the local market, can close fast, and won’t tie you up in red tape when a good property hits the market. That’s where experience and access to capital make the difference between winning the deal or watching someone else get it.
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Hear from Our Customers

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Real Estate Investment Loans Pinellas

What You Actually Get from This Program

This isn’t about promises or marketing language. It’s about what happens after you close the loan and start the work.

You can compete with cash buyers because your financing closes in days, not the 30 to 45 it takes with traditional banks.

Your capital stays available for other deals because high leverage means you're not tying up all your cash in one property.

You avoid the income documentation nightmare that kills deals for self-employed investors or those with complex tax situations.

Your renovation timeline doesn't get derailed by slow draw releases since funding follows your actual construction progress.

You have flexibility at the exit because you can sell, refinance into a rental loan, or extend if the market shifts.

You're working with someone who's analyzed thousands of Florida deals and knows what actually works in this market.

Ready to get started?

See Your Rate

Tell Us About Yourself

Provide basic contact details and your estimated credit score.

Select Investment Type

Choose the property or project you’re planning to finance.

Share Project Details

Answer a few quick questions so we can tailor your loan options.

Receive Your Loan Terms

Our team reviews your submission and follows up with next steps.

DSCR Rental Loans Florida

Why Nationwide Works for Flippers

Nationwide isn’t just another Florida market. It’s a peninsula with geographic constraints that limit new construction, which means supply stays tight even as demand increases. Around 1,000 people move to Florida every day, and many of them want to be near the beaches, downtown St. Petersburg, or Clearwater without paying Miami prices.

The median home price hit $445,000 in early 2025, and cash buyers are active. That tells you two things: there’s money in this market, and competition is real. But it also means properties that need work get overlooked by traditional buyers who can’t see past the outdated finishes or deferred maintenance. That’s your opportunity.

The rental market is equally strong. If your exit strategy shifts mid-project or you decide to hold instead of sell, Nationwide offers solid rental demand with appreciation potential. Investors here aren’t just flipping, they’re building portfolios, and having access to both fix and flip loans and long-term DSCR rental financing gives you options most investors don’t have.
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Residential Loan Programs Nationwide

What's Included in Your Fix and Flip Loan

Your loan covers both the purchase price and the renovation budget. Most programs offer up to 80% loan-to-cost or 70% of the after-repair value, which means you’re bringing 20-30% to the table and the loan handles the rest. That includes the rehab work, not just the acquisition.

Draw schedules are structured around your construction milestones. As you complete phases of the renovation, funds are released. The process is designed to keep your project moving, not to create administrative hurdles that slow you down. Inspections happen quickly, usually within a day or two, and draws follow shortly after.

Terms typically run 12 to 24 months, which aligns with the reality of most flip projects. The median flip timeline nationally is around six months, but smart investors pad that to account for permit delays, contractor availability, or market timing. If you need more time, extensions are available. If you finish early and sell, there’s no prepayment penalty eating into your profit.
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Fix & Flip Program FAQs

Common questions about our Fix & Flip Program services

Most fix and flip lenders require a minimum credit score between 660 and 680, though some programs work with scores as low as 620 depending on your experience and the deal quality. The focus is more on the property’s potential and your track record as an investor than your personal credit alone. If you’ve successfully completed at least one investment property exit in the last three years, that carries significant weight. Asset-based lending means the property itself is the primary collateral, so lenders evaluate the after-repair value, the renovation budget, and your ability to execute the project. If your credit is below 660, you may still qualify but expect slightly higher rates or more conservative loan-to-value ratios to offset the additional risk.
Traditional bank mortgages typically take 30 to 45 days minimum to close, and that’s if everything goes smoothly with no appraisal delays or underwriting complications. Fix and flip loans are structured for speed because real estate investors need to move when good deals appear. With existing appraisals and clean title work, closings can happen in as little as 3 to 5 days. Even without those items in place, most fix and flip loans close within 7 to 14 days. The difference comes down to underwriting focus—banks are verifying your income, employment, debt ratios, and personal financial history. Fix and flip lenders are evaluating the property, the renovation plan, and the after-repair value. Less documentation means faster decisions, and faster decisions mean you can compete with cash buyers even when you’re using financing.
Fix and flip loan rates in Florida generally range from 8% to 14%, depending on your experience level, the property type, the loan-to-value ratio, and current market conditions. That’s higher than conventional mortgages, which sit in the 6% to 8% range, but the comparison isn’t apples to apples. You’re paying for speed, flexibility, and the ability to finance properties that traditional lenders won’t touch. Most investors find that the higher rate is offset by the profit potential of the deal itself. If a property’s after-repair value supports a $50,000 to $100,000 profit margin, paying 10% interest for 12 months is a small cost relative to the return. Rates also vary based on points—some lenders charge 1 to 3 points upfront, which can lower your interest rate. The key is understanding your total cost of capital, including interest, points, and holding costs, so you can accurately calculate your net profit before you commit to the deal.
It depends on the lender and the specific loan program. Many fix and flip lenders require at least one prior investment property exit within the last 36 months, which means first-time flippers may face more limited options. However, some programs do work with first-time investors, especially if you have a strong financial profile, a solid renovation plan, and enough cash reserves to cover unexpected costs. If you’re brand new to flipping, consider partnering with a more experienced investor on your first deal. That partnership can strengthen your loan application and give you hands-on guidance through the process. Another option is to start with a smaller, less complex property that requires light cosmetic work rather than major structural renovations. Lenders are more comfortable financing straightforward projects for newer investors. You can also improve your chances by having a detailed scope of work, contractor bids, and realistic after-repair value comps ready when you apply. Demonstrating that you’ve done your homework goes a long way.
Renovation delays and budget overruns are common in fix and flip projects, which is why experienced investors build contingency buffers into their plans from the start. Most experts recommend adding 10% to 20% to your estimated renovation budget and timeline to account for surprises like hidden structural issues, permit delays, or contractor availability. If your project does run long, most fix and flip loans offer extension options, though those extensions typically come with additional fees or slightly higher interest rates for the extended period. If you go over budget, some lenders provide additional funding if the property’s after-repair value still supports the increased loan amount. Communication is critical here—if you see delays or cost overruns coming, talk to your lender early rather than waiting until you’re out of money. Many lenders will work with you to adjust draw schedules or restructure terms if you’re transparent about the situation. The worst thing you can do is stop communicating and let the project stall. That’s when carrying costs pile up, interest keeps accruing, and what could have been a manageable issue turns into a financial problem.
Fix and flip loans are short-term financing designed for properties you plan to renovate and sell, typically within 6 to 18 months. They’re asset-based, meaning approval focuses on the property’s after-repair value and your renovation plan rather than your personal income. DSCR rental loans, on the other hand, are long-term financing for properties you plan to hold as rentals. DSCR stands for Debt Service Coverage Ratio, which measures whether the property’s rental income can cover the mortgage payment. These loans typically have 15- to 30-year terms with lower interest rates than fix and flip loans because they’re structured for buy-and-hold investors. The key difference is your exit strategy. If you’re buying a property to fix it up and sell it quickly, you want a fix and flip loan. If you’re buying to renovate and rent it out long-term, you want a DSCR loan. Some investors use both—they’ll start with a fix and flip loan to acquire and renovate the property, then refinance into a DSCR rental loan once the property is rent-ready and they decide to hold it instead of sell. Having access to both types of financing gives you flexibility to adjust your strategy based on market conditions or your portfolio goals.

Property Evaluation and Pre-Approval

You submit the property details, your purchase price, and renovation budget. We focus on the deal quality and after-repair value, not your personal income.

Loan Structuring and Terms

You receive a clear breakdown of your leverage, rate, draw schedule, and timeline. No hidden fees or surprises that show up at closing.

Fast Closing and Fund Release

Once approved, you close quickly and start your renovation. Draws are released as work is completed, keeping your project on schedule and your contractors paid.